Privacy Policy

Recognition of a Customer's Expectation of Privacy


 


We may be collecting from you certain nonpublic personal information - that is, information that is personally identifiable financial information that you provided to us as a result of a service we provided to you, or otherwise obtained from you in the course of a financial transaction. It is our pledge to you to maintain and use this information in accordance with the principles outlined in this policy.


 


What information will you be collecting from me?


 


We collect nonpublic personal information about you from the following sources:


·          Information we receive from you on various forms, including loan applications. This may include your name, address, social security number, information about your income, accounts you hold, your occupation;


·          Information relating to your transactions with us, our affiliated companies, or others, such as your account balances, payment history, and information about other parties to the transaction; and,


·          Information we receive from outside sources, such as consumer reporting agencies, such as your credit history, and companies providing account verifications and employment histories.


 


Will you be sharing this information?


 


We will not share this information for marketing purposes with unaffiliated third parties  and will only share the information as permitted by law.


Affiliates - This information may be shared with our affiliates - that is, a company that controls, is controlled by, or under common control with us. In most cases, sharing information will be related to processing your loan request with us.


Nonaffiliated third parties - Except as permitted by law, we do not disclose nonpublic personal information about our customers or former customers to nonaffiliated third parties - that is, a person or company that does NOT control, is NOT controlled by, or NOT under common control with us.


We may disclose all of the information we collect from you to companies that administer and service your accounts on our behalf - such as loan companies that service your loan on our behalf, hazard and flood insurance providers, credit reporting agencies, and other parties required to service and enforce your loan. We may also disclose to companies that acquire all or part of the rights under your note.


 


Is my information protected?


 


Yes, it is. No person or persons have access to nonpublic personal information about you, except for our employees, affiliates, or nonaffiliated third parties who need to know the information to provide services, directly or indirectly, or products to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.


 


Can I opt out of this sharing of information? And if so, how?


 


Opt out means a choice a person can make in certain cases to prevent a financial institution from sharing information about that person with others.  Since we do not share your information with unaffiliated third parties for marketing purposes and only share it as permitted by law, you do not have a right to opt out.


 


The Terms You Agree to by Using Our Website


 


Security One Lending (“S1L”) requires each visitor to our site(s) on the Internet (the "Site") adhere to the following rules and regulations.  By accessing the Site you indicate that you acknowledge these terms and conditions and our Privacy Policy described above.


S1L maintains the Site to provide you with information about our products and services and to help you communicate with us. From time to time, we may revise these terms and conditions.


 


S1L or another indicated party owns the copyright in the images, text, screens, and web pages appearing at the Site. You may copy information from the Site for your personal or educational use only, provided that each copy includes copyright, trademark or service mark notice or attribution as they appear on the pages copied. You may not otherwise copy, display, distribute, download, license, use, modify, publish, repost, reproduce, use to create a derivative work, or other use for public or commercial purposes any of the information from the Site.


 


We do not offer all the products or services described at the Site in all geographic areas. You may not qualify for all the products or services described. S1L reserves the right to determine your eligibility for any product or service.  WE MAKES NO WARRANTY OF MERCHANTABILITY OR WARANTY OF FITNESS FOR A PARTICULAR PURPOSE REGARDING SERVICES OR PRODUCTS PURCHASED OR OBTAINED BY YOU THROUGH THE SITE FROM A PERSON OR ENTITY OTHER THAN S1L AND S1L SPECIFICALLY DISCLAIMS ALL OTHER WARRANTIES REGARDING THOSE SERVICES OR PRODUCTS.


 


We will do our best to post accurate and up-to-date information at the Site, but we make no warranties or representations regarding the accuracy of the information at the Site. You agree to access and use the Site and its contents at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict, liability, or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site (even if someone has advised us of the possibility of such damages), including liability associated with any viruses which may infect a user's computer equipment.


 


By using the Site, you agree that that Federal and California laws will govern your use.  You and S1L agree that either of us will bring any action arising out of or in connection with your use of the Site in the United States District Court, Southern District of California or the California Superior Court in San Diego County.


 

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